540 W Main St, Pacolet, SC 29372 Property Records

Spartanburg County property record for 540 W Main St, Pacolet, SC 29372

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,610 sqft · built 1954
Lot Size	0.831 acres (36,200 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Dec 2025)
Tax Bill	$618 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-29-14-004.00`

Property Details

APN / Parcel Number

Primary APN	`3-29-14-004.00`
Alternative APNs	`7161-98-1032.31` `62789`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	2,186 sqft
1st Floor Area	1,610 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	36,200 sqft (0.831 acres)
Lot Dimensions	362 ft deep x 100 ft wide
Porch	Porch
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	62789
Street Address	540 W MAIN ST
City	PACOLET
State	SC
Zip	29372-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N SIDE PUMPKIN CENTER RD & E OF SERVICE DR PB 25-497-498
Legal Subdivision	RAY E LEE PROP
Legal Lot Number	1
Jurisdiction	SPARTANBURG SC
Township / Civil Division	PACOLET
Census Block Group	3
Census Block	3048
Census Tract	23902

Owner

540 W Main St is owned and occupied by two individuals who bought it in December 2025.

Source: Spartanburg County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 W MAIN ST, PACOLET, SC 29372-2012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Dec 12, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Deed Document Number	202556508
Deed Book / Page	155H / 628
Prior Transfer Date	Dec 10, 2025
Prior Transfer Doc	0000056508
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPARTANBURG SC
Recording Date	Aug 18, 2026
Property Address	540 W MAIN ST, PACOLET, SC 29372-2012
Document Number	0000039358
Book / Page	7300 / 933
Instrument Date	Aug 11, 2026
Instrument	202639358
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 W MAIN ST, PACOLET, SC 29372-2012

Mortgage

Document Number	0000039358,
Date	Aug 18, 2026
Book Page	7300/933
Instrument	202639358

Lender

Name	HOMETRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 25, 2051

Interest

Rate Type	Adjustable Rate
Rate	9.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPARTANBURG SC
Recording Date	Dec 12, 2025
Property Address	540 W MAIN ST, PACOLET, SC 29372
Document Number	0000056508
Book / Page	155-H / 628
Map Reference	MB 25 PG 498
Instrument Date	Dec 10, 2025
Instrument	2025-56508
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount on Record
Tax	$449.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 W MAIN ST, PACOLET, SC 29372

Tax Assessment & Valuation

The 2025 property tax bill for 540 W Main St was $618, up 1.6% from the year before.

Source: Spartanburg County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Spartanburg County
Municipality	Pacolet Town
Unified School District	Spartanburg School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$618.00 (+1.64%)	$3,989 Land $375 Building $3,614	$106,500 Land $10,000 Building $96,500
2024	$608.00
2023	$608.00	$3,989 Land $375 Building $3,614	$106,500 Land $10,000 Building $96,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 540 W Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective October 2, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2003 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 540 W Main St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 96% of South Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPARTANBURG WATER SYSTEM serves 166,364 people · EPA ID SC4210001
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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